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Utility Bills Debt Help in Canada

Are you struggling to keep on top of your utility bill payments? Or have you taken out too many lines of credit to cover these expenses? We know that the weight of utility bill debt can feel overwhelming, but you’re not alone. Our team of Licenced Insolvency Trustees are here to help you find a stable and secure financial future.

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888-376-8488
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Finding your way through utility bill debt

We understand that managing utility bill debt can be incredibly stressful, especially if you’ve resorted to loans or credit cards to cover these expenses. You’re not alone in this journey, and we’re here to help.

With years of experience in assisting individuals like you, we know the challenges and pressures you may be facing. We want you to know that your financial independence and well-being matter to us. Our team is committed to providing you with the support and guidance needed to navigate through utility bill debt effectively.

We believe in empowering you with the knowledge and tools necessary to regain control of your finances. Together, we can work towards a brighter, debt-free future. You don’t have to face this alone – let us be your partner in achieving financial stability and peace of mind.

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Get utility bill debt help - it’s a simple process

Consultation

We’ll take the time to fully understand your specific situation in a judgment-free space. Share your concerns, your income, and the details of your utility bill debt, including your creditors and outstanding amounts. Rest assured, our conversations are always held in strict confidentiality.

Options

Once we have a clear idea of the full picture, we’ll explore your choices for tackling your debt. Together, we’ll examine every avenue for relief, only concentrating on options that you’re comfortable with. Your well-being is our top priority, and we will never rush or pressure you into any decision.

Solution

Ready to take the next steps? We’ll kickstart your customized plan. Your financial freedom is our main goal, and we’ll stand by you as a steadfast support system every step of the way.

Shahrad Nakhaie
Shahrad Nakhaie
2022-12-23
They are so great, every thing was so easy for me. Unbelievable, All my debt are gone now and I feel like I'm free, thanks Osman Ali for all you did for me, at the first time it's even hard to believe that was real, but it's real and easy. Thank you bro for your help.
Cody
Cody
2022-12-06
Osman is a professional and you cant find anybody better. He really cared about my situation and paid attention to every little detail so he can help me best. Thank you osman and the rest of the team for helping me through my struggles.
Banda Gueye
Banda Gueye
2022-10-29
Osman is a vert nice gentlemen, he was polite sweet and gentle. He really cared about my situation and paid attention to every little detail so he can help me best. Thank you Osman and the rest of the team for helping me through my struggles.
Kim Brown
Kim Brown
2022-08-29
So far this has been a great company, I have been with them over a year. Every time I have an issue Josh jumps right on it and helps me out. He never makes me feel like I'm being a pain in the butt 🙂 I definitely recommend them, I have referred two of my family members to get help and now Josh is helping them as well. I thank you Josh for all the hard work and responding so quickly to all my messages.⭐️⭐️⭐️⭐️⭐️
Ajanthan Murugananthan
Ajanthan Murugananthan
2022-04-28
Staff members Samuel and Josh were both amazing. Both very friendly, professional, and efficient. They took care of my credit card issues and line of credit and made it manageable. I would highly recommend Harris & Partners Inc. They have given me a new life in my financial life to success.
Paul Woo
Paul Woo
2022-03-01
Staff members Yasan and Josh were both amazing. Both very friendly, professional, and efficient. They took care of my credit card issues and made it manageable. I would highly recommend Harris & Partners Inc.

The six signs of mounting debt from unpaid utility bills

If you’re worried that you or a loved one is struggling with utility bills and repayments, there are a few key things you can look out for:

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Sign 1. Extra lines of credit

Using credit cards, loans, or overdrafts to cover routine utility expenses may signal deeper financial challenges.

Take control today
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Sign 2. Avoidance

Avoiding discussions about utility bills or financial matters? This might be masking underlying financial difficulties.

Get started
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Sign 3. Missing payments

As the pressure of utility bill debt mounts, it becomes tempting to prioritize other bills or even skip utility payments to manage other financial obligations.

Speak with the team
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Sign 4. Mental health

Experiencing anxiety, stress, or feeling overwhelmed? Utility bill debt can significantly impact your mental well-being.

Get debt help
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Sign 5. A change in relationships

Feelings of shame and stress can strain relationships. Instead of letting debt push loved ones away, seek support and guidance.

Help me take control
Medical Debt Dominoe Effect

Sign 6. A domino effect

A sudden change in income, an illness, or unexpected events can trigger a chain reaction of utility bill debt issues. Don’t wait for them to escalate; take action proactively.

Call for help

Utility Bill Debt Relief - Your Options

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Support across Canada

Why Harris & Partners

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Remove up to 80% of your debt

Our Licensed Insolvency Trustees provide a customized service that could remove up to 80% of your debt and stress, so you can breathe easier.

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We speak your language

Our multilingual team provides support in many languages, from Farsi and Portuguese to Italian and Tamil, leaving out complicated jargon, so you understand everything, every step of the way.

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Debt support across nine provinces

Want to speak to someone in person? Our team is on hand to help at a Harris & Partners office near you.

Our Licensed Insolvency Trustees are here to help you

Our experienced Licenced Insolvency Trustees are here to support you in managing your utility bill debt – they’re your partners in helping you regain your financial peace. Don’t worry about navigating complex utility bill issues on your own. We’ll work closely with you, creating personalized plans and offering constant support every step of the way.

  • Jay harris
    Jay T. Harris
    FCPA, CIRP, LIT
    Licensed Insolvency Trustee
  • kyle
    Kyle Harris
    LL.B., CIRP, LIT
    Licensed Insolvency Trustee
  • adam
    Adam Fisher
    CPA, CIRP, LIT
    Licensed Insolvency Trustee
  • Joshua Harris
    Joshua Harris
    BCOMM., MIB, CIRP, LIT
    Licensed Insolvency Trustee
  • advisor
    David Adams
    Licensed Insolvency Trustee
  • doug
    Doug Loiselle
    Licensed Insolvency Trustee
  • Rob McLernon
    Robert McLernon
    BComm, CIRP, LIT
    Licensed Insolvency Trustee
  • shelley
    Shelley Koehli
    Licensed Insolvency Trustee
  • Jill Strueby
    Licensed Insolvency Trustee

Utility Bill Debt FAQs

What happens if I don't pay my utility bills in Canada?

If you don’t pay your utility bills in Canada, you could face a number of issues, including:

  • Late fees: Accumulate quickly, adding to your debt.
  • Service disconnection: Your electricity, water, or gas could be shut off.
  • Debt collection: The utility company may sell your debt to a collection agency, damaging your credit score.
  • Legal action: In rare cases, the utility company can sue you for the unpaid amount.

How can I improve my credit score after falling behind on utility bills?

Paying your outstanding debt in full is the best way to improve your credit score. Consider debt consolidation or payment plans to manage your debt. If you’re struggling with mounting utility bill debt, give our team of Licenced Insolvency Trustees a call. Together, we can find your path to financial independence.

Should I consolidate my utility debts?

Consolidating your debts into one loan with a lower interest rate can be beneficial if:

  • You have multiple utility debts with high interest rates.
  • You can qualify for a loan with a lower interest rate than your current debts.
  • You can commit to making regular payments on the consolidated loan.

Can you include a utility bill in a consumer proposal or bankruptcy?

Yes, you can include a utility bill in a consumer proposal or bankruptcy, even if you intend to continue using that service. You may be charged a ‘hook up fee’ or deposit and, sometimes, this fee is less affordable than making a plan to pay the bill. However, if you can switch utilities, then you can include the full debt in your consumer proposal or bankruptcy without any issue. Not sure where to start? Give us a call and we can talk you through everything you need to know.

Take your first step to financial freedom

Dealing with utility bill debt can be overwhelming, but it doesn’t have to control your future. We know that taking the first step is tough, but reaching out to our team can be the key to a brighter financial future. Together, we’ll create a personalized plan to help you become debt-free and financially secure.

Contact information

It's never too late to obtain debt help. Book your free consultation today

Phone number
888-376-8488
Email
hello@harrispartners.ca
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Where you can find our utility bill debt relief services in Canada

No matter where you live in Canada, our utility bill debt relief services are just a phone call away. We understand the different financial challenges people face all over the country when it comes to utility bills, and our local teams are ready to assist you in finding the best solutions.